How to tell the difference between a bank card and a credit card

The following methods can be adopted:

First, the expiration date and the pinyin of the cardholder's name are printed on the front of the credit card, but the savings card does not.

second, credit cards are embossed, and savings cards are usually printed in print.

3. The credit card has a 7-digit number printed on the back, but the savings card doesn't.

4. On the back of the credit card, there are words such as "This card is not valid until it is signed" or similar words, while on the back of the savings card, there are only words such as "the cardholder's signature".

5. All credit cards have laser anti-counterfeiting labels; About 9% savings cards do not have laser anti-counterfeiting labels.

debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A special card is a debit card used in a specific area and for special purposes (referring to uses other than department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

〔debitcard〕 can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the demand deposit. When spending or withdrawing money, the funds are directly drawn from the savings account. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the issuing bank gives the cardholder a certain credit line, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

a Creditcard, often called a credit card, refers to a credit card in which the issuing bank gives the cardholder a certain credit line within which the cardholder can spend first and then repay. It has the following characteristics: first consume and then repay, enjoy an interest-free payment period (up to 56 days), and have a minimum repayment amount, and customers can repay by installments when they overdraw. Customers need to pay a certain amount of annual fees to the banks that apply, and each bank is different.

quasi-credit card is a single-currency single-account credit card with interest-bearing deposits and RMB for credit card spending. It has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and online banking transactions. When the balance of credit card consumption and cash withdrawal account is insufficient to pay, the cardholder can overdraw the consumption and cash withdrawal within the specified limited credit limit and charge a certain interest. There is no interest-free repayment period.

quasi-credit card is a kind of credit card with China characteristics, and there is no such kind of credit card abroad. In the late 198s, China's banking industry introduced credit card products from abroad. Because the personal credit system in China was not perfect at that time, the banking industry in China made some changes to foreign credit card products, changing the traditional foreign credit card deposit with no interest and overdraft with interest-free period to deposit with interest and overdraft with interest.

a quasi-credit card has some functions of both a credit card and a debit card. Generally, it is necessary to pay a deposit or provide a guarantor. When using it, deposit first and then consume, and interest will be paid for the deposit. The cardholder can make a small overdraft within the limit approved by the issuing bank when shopping, but the overdraft amount will bear interest from the date of overdraft, and the arrears must be paid off at one time. There is no interest-free repayment period and minimum repayment amount, and its basic functions are transfer settlement and shopping consumption.

how can I tell if my card is a credit card? There are these differences.

Card friends often set up debit cards and credit cards in a bank, but it is not clear which Zhang Cai is the credit card. In fact, debit cards and credit cards are very easy to distinguish, as long as you grasp a few points, let's take a look.

how can I tell if my card is a credit card?

1. Look at the card face: Except for VIP customers in banks, ordinary customers of many debit cards generally don't have the pinyin of the cardholder's name, and even if they do, they are printed; Each card of the credit card will have the pressed three-dimensional pinyin of the cardholder's name. In addition, some debit cards are not marked with expiration date, but all credit cards are available.

2. Look at the cost: credit cards are free when handling cards, and debit cards are charged. The card handling fee is around 1 yuan, depending on the bank;

3. Look at the interest: both credit cards and debit cards can deposit money, but credit cards have no interest, while savings cards pay interest every quarter and are calculated on a daily basis, so even if the money just passes through the card, there will be interest.

4. Look at the function: when you use a debit card to transfer money in mobile banking, you can transfer money without review, and it is the debit card that can transfer 1% of the total amount; And if you can't transfer money, or if the transfer requires bank review and the transfer amount is up to 5%, it must be a credit card.

5. Look at the bill: both credit cards and debit cards are used for consumption. It is the credit card that will pay the bill every month, which uses the bank's money and needs to be repaid on the last repayment date; If you don't pay the bill, it's a debit card. You don't need to repay it with your own money.

that's the introduction of "how to see if your card is a credit card". I hope it will help you.

How to judge whether a bank card is a savings card or a credit card

These methods can be used to distinguish:

1. Credit cards are those with clear words "credit card" and "debit card" on the card surface.

2. Credit cards have laser anti-counterfeiting marks on the front, but debit cards do not (except for individual bank debit cards)

3. Credit cards must have an expiration date.

4. The words "Debit Card", "Savings Card", "ATM Card", "Maestro" and "Cirrus" are clearly marked on the card surface as debit cards.

5. Credit cards are embossed. Debit cards are printed in print and embossed.

6. On the front of the credit card, there is the Chinese Pinyin of the cardholder's name, and some of them have the gender "Mr" and "Ms". Debit cards are not necessarily available.

7. Generally, you don't need to enter a password (except for Shenfa Credit Card, CITIC Industrial Credit Card and some credit cards of China Construction Bank), just enter 6 or 4 digits on the password key to confirm.

8. Credit cards have a card expiration date.

9. There is a CVV code for online payment on the back of the credit card.

CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service.

the credit card stipulated in the relevant laws of China ("the NPC Standing Committee's Interpretation of the Provisions on Credit Cards in the People's Republic of China and the Criminal Law of China") refers to an electronic payment card issued by a commercial bank or other financial institution with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

Credit cards are generally special plastic cards with a length of 85.6mm, a width of 53.98mm and a thickness of 1mm. The name of the card issuer, expiration date, number, cardholder's name and other contents are printed on the front, and there are chips, magnetic strips and signature strips on the back. Cardholders can use their credit cards to shop, spend money and deposit and withdraw cash from banks.

there is no need to pay cash when spending with a credit card, and repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card. Baidu Encyclopedia

How to tell if it is a credit card, and how to tell if it is a credit card or a savings card

1. You can tell if it is a credit card by swiping the card. The front of the credit card has the cardholder's name pinyin and the expiration date of the credit card, and the back of the card has the laser anti-counterfeiting mark. Most other cards don't have these two items, and only the words "the cardholder's signature is invalid without signature" are written below the back signature of the credit card, so you can tell if it is a credit card when swiping the card.

let's stop here to see if it's a credit card introduction.